Fiscora Rewards: Loyalty, Referral and Partner Program

1. Status: not active yet

Nothing can be earned yet. Fiscora’s free calculators are live, but the paid plans are not available yet. This program starts only on the day paid plans launch. We publish the rules now so that everyone can read them before they apply.

Until launch we may still change these rules. From launch, changes follow the section “Changes and ending the program”.

2. The three parts at a glance

• Loyalty Reward: one free month for every 12 months in a row that you pay for a plan.
• Customer Referral Credit: paying customers get a free month when a person they refer becomes a paying customer and pays for 2 months in a row.
• Partner Program: for accountants, consultants, trainers and creators in Pakistan, by application. Partners earn a cash commission and milestone bonuses for customers they bring who keep paying.

Rewards are paid only from money Fiscora has actually received and kept. That is what keeps the program fair for everyone and sustainable for Fiscora.

3. Loyalty Reward

• For every 12 months in a row that you pay for any paid plan, you get one month of that plan free, as a credit on your next bill.
• A gap of more than 7 days without an active paid plan starts the count again.
• Months paid with a credit do not count towards the next 12.
• The credit is not cash: it cannot be withdrawn, transferred, sold or exchanged, and it ends if you close your account.

4. Customer Referral Credit

Who can refer: any customer who has paid for at least one month and whose account is in good standing.

• Share your personal referral link. The person you refer must be new to Fiscora (never a paying customer before) and must sign up through your link.
• When that person has paid for 2 months in a row, without a refund or chargeback, you receive a credit worth one month of your plan, or of their plan if that is cheaper.
• At most 12 referral credits in any 12 months.
• Credits are not cash, cannot be transferred and end if you close your account.
• You cannot refer yourself, another account you control, or the business you work for.

5. Partner Program (cash rewards)

Who can apply. An individual aged 18 or over who lives in Pakistan and has a valid CNIC and a Pakistani bank account in their own name, or a business registered in Pakistan with an NTN and a business bank account in its own name. You do not need to be a Fiscora customer. Joining is free: a partner never pays Fiscora anything to join or to stay in the program.

How to join. Email hello@getfiscora.com with the subject “Partner Program”. If we accept you, we ask you to verify your identity (see “Verification and payouts”) and to accept this page as the partner agreement. We may accept or decline any application. Fiscora’s operator (Shahzeb Jan Gondal) and members of his household cannot be partners.

Commission. 20% of the net amount Fiscora receives from each customer you refer, for the first 12 months that customer pays. “Net amount” means what is left after the payment provider’s fees, refunds and chargebacks.

Milestone bonuses. Paid once per partner, when enough of your referred customers have become “qualified customers” (defined below):

• 5 qualified customers: Rs 15,000
• 10 qualified customers: a further Rs 35,000
• 20 qualified customers: a further Rs 50,000 (Rs 100,000 in total)

Qualified customer. A person or business that (1) was never a paying Fiscora customer before, (2) signed up through your partner link, (3) is not you, your household, your business or an account you control, (4) pays with their own payment method, (5) has paid for at least 6 months in a row without a refund or chargeback, and (6) still has an active paid plan on the day we count.

6. The 35% limit

Everything a partner receives (commission and bonuses together) for their referred customers can never be more than 35% of the net amount Fiscora has actually received from those same customers. If a bonus would go over this limit, it is paid later, once enough has been received. This rule protects the program from abuse and keeps it running for honest partners.

7. Verification and payouts

• Verification before the first payout: your full name exactly as on your CNIC (or the business name with its NTN), a copy of the CNIC or NTN certificate, a mobile number in your name, and a bank account whose title exactly matches that name. We do not pay to any other person’s account, in cash, through mobile wallets or in crypto.
• Holding period: commission on a payment becomes payable 60 days after that payment, so that refunds and chargebacks can come in first.
• When: once a month, by the 15th, for everything that became payable in the previous month.
• Minimum: Rs 5,000. Smaller balances carry over to the next month.
• Currency: commission is worked out in the currency the customer paid and converted to Pakistani rupees at the rate our bank applied to Fiscora’s own payout for that month. Bonuses are fixed in rupees.
• Large amounts: any month above Rs 200,000 for one partner is reviewed by hand before payment.
• Records: all counting uses Fiscora’s payment provider records. Screenshots, receipts or messages sent by partners are not accepted as proof.
• Tax: you are responsible for your own taxes. Where Pakistani law requires it, we deduct tax at source and give you a statement. Please tell us whether you are on the Active Taxpayer List, because the rate can depend on it.
• Unclaimed rewards: if you do not complete verification within 12 months of a reward becoming payable, that reward expires.

8. What is not allowed

The following are fraud or abuse. A referral or reward connected to any of them does not count:

• Referring yourself, your household, your own business, or any account you own or control, including accounts opened in other people’s names.
• Paying for, reimbursing or discounting a referred customer’s subscription yourself, or offering them money or gifts to sign up.
• Fake, duplicate or temporary accounts, or stolen or borrowed payment cards and bank accounts.
• Forced clicks, hidden links, “cookie stuffing”, bots, or anything that claims a referral you did not genuinely make.
• Spam (messages, comments or emails sent without permission), fake reviews, or misleading claims such as guaranteed profits or “official” endorsements.
• Pretending to be Fiscora, its staff or its support, or using the Fiscora name in paid search ads, domain names or social media account names.
• Promoting your partner link on coupon or cashback sites.

We check for signs of abuse, for example the same payment details, device, network address, phone number or postal address appearing across a partner and their referred customers.

9. Reviews, holds and recovery

• We may hold any reward for up to 60 days while we review it, and may ask you for information. We tell you the outcome by email.
• If a customer’s payment is refunded or charged back, the commission on it is removed. If it was already paid, the amount is deducted from your future payouts.
• If we find fraud or abuse, we may cancel unpaid rewards and credits, close the partner account, recover rewards already paid as a result of it, and report it to the authorities where the law requires or allows.
• You can ask us once to reconsider a decision, by email within 14 days, with any information you want us to see. We decide fairly and explain the decision.

10. Only direct referrals

Fiscora pays only for customers who pay Fiscora directly through your own link. There are no rewards for recruiting other partners, and no rewards for the referrals of the people you referred. This is not a multi-level or “network marketing” scheme, and nobody ever has to buy anything to take part.

Partners are independent. Being a partner does not make you Fiscora’s employee, agent or business partner, and you cannot make promises, sign agreements or collect money on Fiscora’s behalf.

11. Changes and ending the program

From launch, we will give at least 30 days’ notice on this page, and by email to partners, before changing these rules or ending the program. Rewards that were already earned under the old rules are still paid under those rules, except where fraud or abuse is involved.

You can leave the program at any time by email. Payable rewards are paid in the next payout, as long as verification is complete.

12. Your data

For partners we process: name, email, mobile number, CNIC or NTN copy, bank account details, tax status and referral records. We use them only to verify identity, pay rewards, meet tax and legal duties and prevent fraud. Identity documents are kept only as long as needed for verification and the records the law requires. See the Privacy Policy for your rights.

Referred customers are never told how much a partner earned from them, and partners never see a customer’s payment details.

13. Contact

Questions about the program: hello@getfiscora.com. See also the Terms of Service and the Refund Policy.